AZ money transmitter bonds.
1% of the bond amount.

Arizona licenses money transmitters through the Department of Insurance and Financial Institutions, and A.R.S. § 6-1228 requires a surety bond at all times — the greater of $25,000 or 100% of your average daily money transmission liability in Arizona, capped at $500,000. Ours is 1% of the bond amount, $100 minimum, the bond issues the moment you pay, and any credit screen is a soft pull only — it never affects your score.

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Required for your Arizona money transmitter license under A.R.S. § 6-1228

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Amount sized to your volume — the greater of $25,000 or average daily transmission liability, to $500,000

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1% of the bond amount, $100 minimum — exact price at the application

A-ratedA.M. Best carriersInstantissuance at checkout1% rate$100 minimum

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How it works

Apply to filed in one sitting.

No underwriting queue for the standard money transmitter bond — enter your amount, pay, and file with DIFI. Here is the whole thing:

TODAY · ONLINE

Apply online

Your business details, NMLS number, the bond amount your license requires, and the effective date — that is the entire application. If a credit check runs, it is a soft pull only — it never affects your score.

INSTANTLY

Issued the moment you pay

This bond is checkout-priced — the premium is 1% of the bond amount you enter, $100 minimum, and the executed bond is generated when you pay.

SAME DAY

File with DIFI

Your executed bond and power of attorney arrive by email, ready to submit with your money transmitter license application or renewal through NMLS. Wet-ink original mailed on request.

About this bond

What it is and who needs it.

What the money transmitter bond guarantees

Arizona adopted the Money Transmission Modernization Act framework in Title 6, Chapter 12, and A.R.S. § 6-1228 requires an applicant to provide — and a licensee to maintain at all times — a surety bond in a form satisfactory to the director. The bond stands behind your compliance with the chapter: the customer funds you accept for transmission actually have to move.

It's a three-party arrangement: your company (the principal), the surety carrier, and the state (the obligee), with the people whose money you transmit as the protected parties. If transmissions fail or customer funds are mishandled, the harmed party can recover against the bond — and if the surety pays, your company repays the surety.

The amount tracks your book: the greater of $25,000 or 100% of your average daily money transmission liability in Arizona over the most recently completed three-month period, capped at $500,000. A licensee whose tangible net worth exceeds ten percent of total assets may hold the bond at $25,000. The bond must stay in force for the life of the license — we track the term and send renewal notices 60 and 30 days out.

A.R.S. § 6-1228Arizona Revised Statutes § 6-1228 requires a money transmission license applicant to provide, and a licensee at all times to maintain, a surety bond in a form satisfactory to the director, in the greater of $25,000 or an amount equal to one hundred percent of the licensee's average daily money transmission liability in this state calculated for the most recently completed three-month period, up to a maximum of $500,000. A licensee whose tangible net worth exceeds ten percent of total assets may maintain a $25,000 bond.

You need this bond if you're

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Applying for an Arizona money transmitter license — new applicants filing through NMLS with DIFI

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Maintaining your license — the bond must stay in force at all times, resized as your liability grows

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Transmitting money for Arizona customers — remittances, payment processing, or stored value

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Operating a virtual-currency business whose activity meets the money transmission definitions

One application, issued instantly.

Enter the bond amount your license requires and the executed bond generates at checkout — 1% of the bond amount, $100 minimum. Any credit check is a soft pull only, never a hard inquiry.

Start the application →

FAQ

Common questions.

How much is the Arizona money transmitter bond?The premium is 1% of the bond amount, with a $100 minimum. The $25,000 floor bond prices at $250; a $100,000 bond at $1,000; the $500,000 cap at $5,000. Your exact price appears at the application, before you pay.

What bond amount do I need?A.R.S. § 6-1228 sets it at the greater of $25,000 or 100% of your average daily money transmission liability in Arizona over the most recent three-month period, capped at $500,000. If your tangible net worth exceeds ten percent of total assets, you may maintain a $25,000 bond. Confirm your figure with DIFI.

Do I pay the full bond amount?No. You pay the premium — 1% of the bond amount — $250 on the $25,000 floor. The bond amount is the surety's maximum liability if a valid claim is made — not a deposit, and nobody holds your money.

Is there a credit check?If one runs on this bond, it is a soft credit pull only — never a hard inquiry, and it never affects your score. The bond is checkout-priced, so the price you see at the application is the price you pay.

Who requires the bond, and where do I file it?The Arizona Department of Insurance and Financial Institutions licenses money transmitters under Title 6, Chapter 12, with licensing through NMLS. Your executed bond arrives by email, ready to submit with your application or renewal.

Related bonds

Other Arizona bonds.

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1% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.

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Your premiumfrom $100

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